Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.
Understanding Structured Settlement Annuity Ownership

Understanding Structured Settlement Annuity Ownership

by Structured Settlement Watchdog

Is a structured settlement annuity ours, yours, or theirs?

Smiling customer service representative wearing a headset, promoting annuity cash-out options.

The image was captured on January 8, 2026. It is part of an online ad from a structured settlement factoring company. This ad is awkwardly placed in a news story about a fatal shooting in Minneapolis, Minnesota on January 7, 2026.

The tag line “Cash Our Your Annuity” presents a easily rebuttable presumption:

Key Points

  • Structured settlement annuities are not owned by structured settlement payees.
  • Structured settlement payees can’t sell what they do not own.
  • Structured settlement payees can sell structured settlement payment rights. The sale must follow IRC 5891 and applicable Structured Settlement Protection Acts.
  • Investors in structured settlement receivables do not own structured settlement annuities,
  • ” Secondary Market Annuities” are not annuityies at all. They are receivables.
  • ” Secondary annuities” are not annuities.

“Our Your” Soup

Our Your

Ow Your

Ow Yer

Our Yer

R Yer

R Your

What Are Structured Settlement Annuities 2026?

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One response to “Understanding Structured Settlement Annuity Ownership”

  1. 4Structures.com Understanding Structured Settlement Annuity Ownership – John Darer

    […] a structured settlement annuity ours, yours, or […]

    Reply

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